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Ana Billah
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JSE: Jurnal Sharia Economica
Published by Sekolah Tinggi Agama Islam Muhammadiyah Probolinggo
ISSN : 28285514     EISSN : 28284585     DOI : https://doi.org/10.46773/jse
Core Subject : Economy,
Economics, Econometrics & Finance
JSE: Jurnal Sharia Economica(E-ISSN : 2828-4585)|(P-ISSN: 2828-5514) is a journal publishes a scientific papers on the results of the study or research and review of the literature in the scope and focus of Islamic Economics. Editor accepts the article has not been published in other media with the writing format as listed on page manuscript writing guidelines. This journal was established in 2022 and published two times a year, on January and July. The purpose of this journal is for the publication of scientific articles covering studies within the scope of Islamic Economics, such as: 1. Philosophy of Islamic Economics; 2. Islamic Economic Thought; 3. Islamic Economics and Contemporary Issues; 4. Contemporary issues in Islamic Financial Institutions; 5. Islamic Management; 6. Islamic Accounting; 7. Legal Aspects in Islamic Economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 20 Documents
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Search results for , issue "Vol. 4 No. 2 (2025): April" : 20 Documents clear
Community based Economic-Development: Pertumbuhan Ekonomi Masyarakat Lokal Kota Batu Melalui Wisata Milenial Glow Garden Saputra, Ridwan Hidayat; Rosyta Amalia Nakeisha; Veranjani Krisdyan Noorvita; Diva Zinta Ramadhani; Nafilla Dzakira Putri; Prisca Kiki Wulandari
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.1929

Abstract

Batu City has a very large potential for local economic growth through the tourism sector. One of them is the Millennial Glow Garden Tour located in Batu City, East Java. This destination has great potential to encourage local economic growth through the Community-Based Economic Development (CBED) approach. The Community Based Economic Development theory has 3 strategies including: Increasing Knowledge, Implementing Leadership Style, and Providing Assistance. In its implementation, the Millennial Glow Garden Tour only meets 2 of the 3 indicators of the Community Based Economic Development concept. This study aims to analyze local community empowerment strategies in developing community-based tourism to improve the welfare of local communities. This study uses qualitative methods through observation, interviews, and literature studies. The results of this study found that the Millennial Glow Garden has a positive impact through the provision of places and business permits for MSME actors, carnival events, which improve the welfare of local communities. However, challenges such as limited access to capital, minimal entrepreneurship training, and low community participation in planning still hinder equitable economic benefits.
An Analysis of the Maqashid al-S An Analysis of the Maqashid al-Shariah in Hadith Concerning Hybrid Contracts as an Instrument of Productive Philanthropy for Achieving Poverty Alleviation (SDG 1) Fathoni, Ahmad Iqbal Fathoni; M. Zikwan
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2093

Abstract

This study aims to formulate a productive philanthropic model by integrating hadith with the Hybrid Contract concept in Islamic jurisprudence (fiqh muamalah), utilizing the maqashid shariah approach as a framework for economic empowerment and poverty alleviation aligned with Sustainable Development Goal 1. Employing a qualitative method, the research applies literature-based analysis, textual interpretation of hadith, and normative inquiry into the legal structure of hybrid contracts in Islamic financial practice. The findings indicate that combining prophetic values, shariah objectives, and contractual flexibility offers a productive philanthropy scheme that transcends consumptive aid. This model enhances the adaptability and sustainability of Islamic social finance mechanisms. The study underscores the necessity of policy reform in managing zakat, infaq, and waqf to be more economically empowering, encouraging a paradigmatic shift from passive distribution toward active, shariah-driven empowerment.
Pengaruh Pemahaman dan Tingkat Kepercayaan Masyarakat terhadap Rendahnya Inklusi Keuangan Berbasis Fintech di Kabupaten Asahan Siregar, Tetty Handayani; Dewi, Nurul Aulia; Muda, Iskandar; Soemitra, Andri; Yusrizal
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2128

Abstract

This study aims to analyze the influence of public understanding and trust levels on low fintech-based financial inclusion in Asahan Regency. The phenomenon of inequality between high digital penetration and low fintech adoption in rural areas is the main research background. The approach used is quantitative with a survey method of 100 respondents spread across 25 sub-districts, using a Likert scale-based questionnaire instrument. Data were analyzed using SmartPLS 4.0 software with the Structural Equation Modeling Partial Least Square (SEM-PLS) approach. The results of the study indicate that public understanding and trust have a significant influence on digital financial inclusion. This is proven through hypothesis testing with t-statistic values ​​above 1.96 and p-value <0.05, respectively. The R-Square value of 0.488 indicates that the two independent variables explain almost all of the variation in financial inclusion. These findings strengthen the Technology Acceptance Model theory and consumer trust theory, and emphasize the importance of literacy strategies and consumer protection in supporting financial inclusion. This study also develops a micro index of fintech inclusion based on the dimensions of access, use, and service quality. These findings are expected to be the basis of policies for local governments, regulators, and industry players in expanding inclusive finance in remote areas more effectively
IMPLEMENTATION OF SHARIA PRINCIPLES IN THE PREPARATION OF FINANCIAL REPORTS: A CASE STUDY IN ISLAMIC BANKING Darma
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2156

Abstract

This study aims to analyze the implementation of sharia principles in the preparation of financial statements in Islamic banking in Indonesia. Using a descriptive qualitative approach, this study highlights key challenges such as inconsistencies in the application of sharia accounting standards, lack of practitioners' understanding of sharia principles, and the need for harmonization between international and sharia standards. The results show that most Islamic banks have adopted sharia-based reporting models such as murabaha and mudharabah financing. However, there are still gaps in information disclosure and revenue recognition. The role of the sharia committee and the use of information technology have proven important in increasing transparency and accountability. This study recommends improving Human Resources (HR) training and strengthening sharia regulations to ensure the quality and compliance of financial statements with Islamic values.
Pengaruh Pemahaman dan Tingkat Kepercayaan Masyarakat terhadap Rendahnya Inklusi Keuangan Warga Kota Medan dalam Penggunaan Mobile Banking di Era Cashless Society Dewi, Nurul Aulia; Siregar, Tetty Handayani; Muda, Iskandar; Soemitra, Andri; Soemitra, Yusrizal
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2200

Abstract

This study aims to analyze the influence of public Understanding and Trust on the low Financial Inclusion of Medan City residents in using mobile banking in the cashless society era. A quantitative approach was employed, using a survey technique with questionnaires distributed to 100 randomly selected respondents based on the Slovin formula. Data were analyzed using SmartPLS 4.0, with validity, reliability, and path analysis tests. The results reveal that public Understanding (digital financial literacy) and Trust significantly and positively influence Financial Inclusion through mobile banking adoption in Medan City. Despite improvements in technological infrastructure and access, challenges remain in user knowledge and trust in financial technology. Public Understanding, which encompasses both technical use and the ability to make informed financial decisions, was found to be a key determinant. Trust in digital financial services, influenced by factors such as data security, transaction clarity, and transparency, also plays a crucial role in encouraging mobile banking use. Statistical analysis indicates that these variables explain 48.8% of the variation in Financial Inclusion, aligning with the Technology Acceptance Model (TAM) and Trust-Based Acceptance Model (TBAM), as well as previous studies
PERAN SBSN DALAM KEBIJAKAN MONETER SYARIAH: STUDI ATAS OPERASI PASAR TERBUKA OLEH BANK INDONESIA Laili, Sasmita Nurvinda
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2252

Abstract

The existence of State Sharia Securities (SBSN) as a sharia financial instrument shows great potential not only in financing development, but also in implementing sharia-compliant monetary policies. Through Sharia Open Market Operations (S-OMO), Bank Indonesia can manage liquidity conditions in the sharia money market flexibly and effectively. SBSN purchase or sale transactions in the secondary market allow Bank Indonesia (BI) to inject or absorb liquidity in accordance with economic dynamics, while maintaining macroeconomic stability. However, there are obstacles such as limited SBSN liquidity in the secondary market and suboptimal policy coordination between fiscal and monetary authorities. For this reason, stronger policy synergy is needed, increasing the number and types of liquid SBSN, and educating market players so that the use of SBSN in monetary policy can be maximized and have a broad impact on national economic stability.
SAYYED HOSSEIN NASR: ETIKA DAN MORALITAS DALAM EKONOMI ISLAM Nasution, Darwin; Afridah
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2165

Abstract

Islamic economics is a growing topic along with the increasing awareness of the importance of Islamic values ​​in various areas of life, including ethics and morals in economics. One of the influential figures in this field is Sayyed Hossein Nasr. Nasr argues that ethics and morality are an important part of human life that distinguishes humans from animals. Ethics are teachings that discuss good and bad, while morals are the limits given to distinguish good or bad human actions, so that in his view of ethics and morals in modern times is a modern scientific worldview that is limited and reductive with it has caused the loss of spiritual and ethical values, he proposed that economic activities in Islamic science should be based on the principles of tawhid, adab, and akhlaq. Meanwhile, in Islamic economics, spiritual and ethical values ​​are a set of moral values ​​and principles that govern economic behavior in Islam. This ethics is based on the teachings of the Qur'an and Hadith as the main guideline. The principles of Islamic economic ethics reflect the goal of Islam to create a just, fair, and moral society.
Telaah Teori Inflasi Menurut Al-Maqrizi dalam Perspektif Ekonomi Islam Darul, Muhammad Ghalib
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2286

Abstract

Inflation is an economic phenomenon that affects not only price stability but also reflects the moral condition and governance of a country. In the perspective of Islamic economics, Al-Maqrizi, a 15th-century Muslim thinker, viewed inflation as a consequence of moral degradation, weak governance, and uncontrolled money circulation. This study aims to examine Al-Maqrizi’s thoughts on inflation in depth, including its definition, classification, causes, and proposed solutions. Using a qualitative descriptive method through literature review, this research highlights Al-Maqrizi’s classification of inflation into natural inflation—caused by environmental factors—and man-made inflation—resulting from corruption, excessive taxation, and over-issuance of paper money. Al-Maqrizi proposed Sharia-based solutions, such as moral reform, the use of gold and silver currencies (dinar and dirham), and fair wealth distribution. His ideas are highly relevant in addressing contemporary economic challenges. By integrating spiritual, moral, and technical dimensions, Al-Maqrizi’s perspective offers a valuable contribution to developing just and sustainable Islamic economic policies.
Teori Dewan Pengawas Syariah Setiawan, Rahmat
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2347

Abstract

The purpose of this study is to find the theory of the Sharia Supervisory Board to improve the role of the Sharia Supervisory Board. This study uses a descriptive qualitative approach. The discussion of the theory of the Sharia Supervisory Board is explained in detail and structured to provide an in-depth explanation of the Sharia Supervisory Board theoretically. The results of the study found that the theory of the Sharia Supervisory Board (SSB) shows that the SSB theory is shaped like a building where the foundation of the SSB is the faith based on the Al-Quran and Al Hadith and carries out the nature of the Prophet Muhammad SAW. Once the foundation is in place, it can carry out its duties and responsibilities as a SSB based on sharia which consists of supervising sharia compliance, recommendations for the development of new products and services, strategic management advisors and making reports and opinions on the results of supervision. If the duties of the SSB have been carried out correctly in sharia banking, sustainable sharia banking activities will be realized in accordance with sharia so that they receive the blessing of Allah Ta'ala. The benefits of this Sharia Supervisory Board theory are to increase knowledge and science in the academic world in providing rules and guidelines that must be carried out by the DPS in carrying out its duties to supervise the activities of Islamic banks to ensure that Islamic bank activities are in accordance with the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI).
ANALISIS STUDI KELAYAKAN BISNIS SYARIAH PADA USAHA MIKRO PEMBUATAN TEMPE (Studi pada Desa Palak Siring Kecamatan Kedurang) Hardi, Namang Juki; Isnaini, Desi; Nurhab, Muhammad Irpan
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2384

Abstract

This study aims to analyze the feasibility of sharia-based business practices in micro enterprises producing tempeh in Palak Siring Village, Kedurang District. The research method used is descriptive qualitative with a case study approach. Data were collected through observation, in-depth interviews, and documentation involving 12 informants, including the owner, employees, marketing staff, and consumers. The results show that in terms of financial aspects, the business is not yet fully feasible as there is no structured financial recording, and business finances are mixed with personal finances. In marketing, the business is fairly feasible with the implementation of honesty and trustworthiness values, although promotion is still conventional. Meanwhile, in the production aspect, the business is considered feasible, using halal raw materials, hygienic processes, and environmentally friendly waste management. Overall, the tempeh micro-enterprise has good potential for development in line with sharia economic principles, especially with proper managerial support and access to sharia-compliant financing.

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